Credit Analyst

Farm Credit Services of America•Tarnowo Podgórne, ND

About The Position

AgCountry Farm Credit Services, Farm Credit Services of America, and Frontier Farm Credit are financial cooperatives operating under shared management across eight states. They provide credit, crop insurance, and financial services to farmers, ranchers, and agribusinesses in support of rural America. The Credit Analyst underwrites loans for farmers, ranchers, investors, and farm-related businesses in a fast-paced, customer-driven environment. The role requires analytical judgment, accurate decision-making, and effective communication, and offers career growth and advancement opportunities. The analyst evaluates loan and lease requests, customer financial information, repayment ability, collateral, and approval conditions; ensures sufficient information is available for decisions; and participates in credit decisions within delegated authority or recommends actions to higher authorities. The position maintains sound credit administration, documents decisions, establishes risk-appropriate loan terms, and coordinates work to support colleagues and provide a positive customer experience. Work includes loans of moderate size and complexity as well as larger, more complex credits. May direct or coordinate the work of others. Day and overnight travel of 10% is required.

Requirements

At least 2 years of experience with lending and credit analysis.
Understanding of credit management techniques, credit administration, and loan servicing.
Analytical ability, sound and accurate decision-making, and effective communication skills.

Nice To Haves

Bachelor’s degree in Business Administration, Economics, Finance, or a related field.
Knowledge of agricultural industries.

Responsibilities

Underwrite loan requests within the assigned portfolio, evaluating character, financial position and progress, repayment ability, collateral, and approval conditions.
Ensure adequate information is available to make credit decisions.
Analyze customer financial statements and related information, including balance sheets, trend analyses, income statements, cash flows, collateral analyses, performance reconciliations, credit bureau reports, and commodity brokerage statements.
Apply a level of analysis appropriate to the risk, type, and size of each loan request, using market-based and GAAP-quality financial information and differential analysis techniques.
Participate in decisions on credit requests within delegated authority or recommend actions requiring higher delegated authority.
Maintain sound credit administration, follow association credit philosophy, procedures, and guidelines, and document decisions.
Establish appropriate loan terms and conditions to manage risk.
Coordinate and prioritize work to support teammates and provide a positive customer experience.
As needed, direct or coordinate the work of others, including Credit Operations Team members, Loan Monitoring Analysts, and Loan Closers.
Work independently on loans of moderate size and complexity and on larger, more complex credits.
Travel during the day and overnight, as required (10%).